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BAD CREDIT CAN BE CURED
It's said that one in four people in the UK have some form of adverse credit history, this could be a result of late bill payments, defaults, arrears, CCJs and/or bankruptcy. Generally this means borrowers will have trouble satisfying the credit scoring criteria used by lenders.

Those with bad credit history (due to defaults) do have financial requirements. Though it is difficult to get a personal loan with an adverse credit record there are lenders who consider your case and offer loans at appropriate terms and rates of interest. This is where bad credit loans become an option, the best type is a bad credit secured loan. These loans can be looked at as an opportunity to better your credit score. If applying for this loan, making your repayments on time is the best way to improve your record.

With a bad credit secured loan, your credit score is an important factor whilst being approved, but as your credit status has already been confirmed as being adverse, it is no longer a deciding factor. Property equity, income, currents debts and a more recent credit history should be your stronger points. Another feature of a bad credit loan is that you can borrow £5,000 to £75,000. The loan term ranges between 5 and 25 years.

There are a few ways to better your chances of getting a good bad credit secured loan. First, you should try taking small amounts for bad credit. It is also considered a good move to offer high value collateral against the loan.

These days bad credit as big a problem as it used to be and people with the misfortune of having adverse credit should not be deprived of the opportunity of applying for a fair loan.


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LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.